Here's what you need to know when driving in Florida
Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.
Affordable insurance companies in Florida
What's the cheapest car insurance in Florida?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $1,014 |
| 2 | Allied | $1,790 |
| 3 | State Farm | $1,834 |
| 4 | Travelers | $1,907 |
| 5 | Auto-Owners | $2,128 |
| 6 | 21st Century | $2,360 |
| 7 | Hanover | $2,484 |
| 8 | Esurance | $2,611 |
| 9 | Mercury | $2,835 |
| 10 | Progressive | $3,228 |
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Cheap auto insurance for good drivers in Florida
Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.
In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $630 | 27.29% |
| No Accidents | $392 | 16.96% |
| Good Credit | $1,395 | 47.56% |
Cheap auto insurance for young drivers in Florida
Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $4,471 | $7,601 |
| 17 | $4,156 | $6,744 |
| 18 | $3,796 | $5,627 |
| 19 | $3,391 | $4,375 |
Cheap auto insurance for bad drivers in Florida
Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $3,178 | 37.64% |
| DUI | $3,394 | 46.99% |
| Speeding Violation | $2,888 | 25.08% |
| Bad Credit | $4,329 | 47.56% |
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Top rated car insurance companies in Florida
Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.
Compare top auto insurance companies' financial strength and claims satisfaction ratings to better understand the level of service they might provide. The below ratings are sourced from J.D. Power and AM Best, and The Zebra's own auto insurance customer satisfaction survey.
TOP FLORIDA AUTO INSURANCE COMPANIES
| Insurance Company | Claims Satisfaction (J.D. Power) | Customer Satisfaction (J.D. Power) | Financial Strength (AM Best) | Customer Satisfaction (The Zebra) |
| AAA | Below average | Average | Excellent | 4.2/5 |
| Allstate | Above average | Average | Superior | 4.3/5 |
| Amica | Excellent | Excellent | Superior | N/A |
| GEICO | Average | Average | Superior | 4.4/5 |
| Kemper | N/A | N/A | Fair | 4.1/5 |
| Liberty Mutual | Below average | Above average | Good | 4.2/5 |
| Progressive | Below average | Below average | Excellent | 4.3/5 |
| State Farm | Above average | Above average | Superior | 4.5/5 |
| Travelers | Below average | Below average | Superior | 4.3/5 |
| USAA | Excellent | Excellent | Superior | 4.6/5 |
Florida auto insurance laws
State minimum insurance requirements in Florida are as follows:
- Property damage liability (PDL) - $10,000
- Personal injury protection (PIP) - $10,000
Optional car insurance coverages in Florida — varying by carrier — include:
- Bodily injury liability
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.
However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.
Read more about insurance requirements in the state of Florida.
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How tickets change auto insurance rates in Florida
When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Florida after a few common citations.
Florida car insurance FAQs
Who has the cheapest car insurance in Florida?
Our data shows USAA is the cheapest insurance company in Florida at $507 for a six-month policy, or $84/month. The best way to find the cheapest car insurance in Florida is to compare auto insurance quotes from as many companies as possible. Use our comparison tool to see rates in Florida for your driving profile.
Why is car insurance so expensive in Florida?
Florida’s average insurance premiums are 81% above the national average. This is mainly due to their number of uninsured drivers, higher-risk drivers, poor weather, and mandatory insurance laws. Check out our in-depth article on how to find cheap rates in Florida.
Is Florida a no-fault state for car insurance?
Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.
How much does car insurance cost in Florida cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | West Palm Beach | $3,187 |
| 2 | Hialeah | $3,179 |
| 3 | Miami | $3,075 |
| 4 | Miami Gardens | $3,048 |
| 5 | Tampa | $2,990 |
| 6 | Coral Springs | $2,981 |
| 7 | Hollywood | $2,901 |
| 8 | Pompano Beach | $2,900 |
| 9 | Fort Lauderdale | $2,786 |
| 10 | Miramar | $2,784 |
| 11 | Pembroke Pines | $2,705 |
| 12 | St. Petersburg | $2,703 |
| 13 | Clearwater | $2,685 |
| 14 | Davie | $2,648 |
| 15 | Port St. Lucie | $2,386 |
| 16 | Orlando | $2,301 |
| 17 | Jacksonville | $2,245 |
| 18 | Lakeland | $2,199 |
| 19 | Palm Bay | $2,084 |
| 20 | Tallahassee | $2,072 |
| 21 | Cape Coral | $2,026 |
| 22 | Gainesville | $1,839 |
